Disclaimer

1. Educational purpose only

All calculators, articles, and content on PennyCompass are provided for informational and educational purposes only. Nothing on this site constitutes personalized tax, legal, accounting, investment, retirement, insurance, or financial advice.

2. Consult a qualified professional

Before acting on any information from this site, consult a licensed professional in the relevant jurisdiction: a Certified Public Accountant (CPA) for tax, a Certified Financial Planner (CFP) for retirement and personal finance, a tax attorney for tax-law questions, or an investment advisor for portfolio decisions. Your circumstances are unique; our calculators cannot substitute for personalized advice.

3. No guarantee of accuracy

We work hard to keep calculators current and accurate, and every page cites the official sources it is built from. Even so, tax law changes, edge cases exist, and software is imperfect. We explicitly disclaim any warranty (express or implied) of accuracy, completeness, or fitness for any particular purpose. You bear the risk of relying on our results without independent verification.

4. Jurisdictional limits

Our US calculators assume US federal tax rules and the specific state law indicated on each page. We do not handle: dual-residency, foreign-earned-income exclusions on hybrid filers (unless explicitly noted), estate-and-trust returns, complex AMT scenarios outside our ISO calculator, or any jurisdiction not explicitly listed. Pages will eventually launch for UK, Canada, Australia and other countries; until then, do not use US calculators for non-US situations.

5. Affiliate disclosure

Some links on this site are affiliate links. We may earn a commission if you click and complete a purchase. Affiliate relationships do not affect our calculator results or our choice of which tools to build. We disclose this so you can evaluate any potential bias.

6. Limitation of liability

To the maximum extent permitted by law, PennyCompass and PennyCompass Team are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of (or inability to use) this site, including financial loss, tax penalties, missed deadlines, or any other harm.

7. Changes to this disclaimer

We may update this disclaimer at any time. Material changes will be flagged on this page with a revision date.

Last updated: June 1, 2026